The problem is with that word "ever" --- the answer is, of course, yes ! As you say, it does not show on the credit files or register -- but I am sceptical about archived records lurking somewhere !! First your own moral compass will decide whether you say yes or no -- then it will fall to...

You should not have any significant surplus to witter away, if your I&E has been correctly handled. Reviews vary, even within firms, according to individual circumstances, but typically they go back three months with statements. However CF use third party access to your bank account, if you agre...

It is impossible to say without looking at your full circumstances -- a chat with a few providers will give you a better idea. A lot depends on the amount you owe and the amount you can afford to pay. In an IVA you are time limited, interest is frozen and anything unpaid at the end is written off --...

If you sell on eBay, everything you make is your own. Surely a car comes under this category. I must admit the assets thing of what you can sell and keep confuses me a little? If it is listed as an asset of the IVA, you keep it in your possession, but if you dispose of it the proceeds belong to the...

If you sell on eBay, everything you make is your own. Surely a car comes under this category. I must admit the assets thing of what you can sell and keep confuses me a little? If it is listed as an asset of the IVA, you keep it in your possession, but if you dispose of it the proceeds belong to the...

If this loan is in her name only and is in her IVA, then you should not be paying any of it. Are you paying "your half" as currently agreed direct to her ?? If so this could open a can of worms as she is actually making no direct payment of this loan herself and could be using your payment...

It would make things a bit more complicated, but nothing insurmountable and your income would have to be monitored more closely to ensure you pay the correct amount each month. It is unlikely that you would be allowed to reduce the current payment by much, if your earnings dipped, so be mindful that...

Most HP / PCP agreements have an insolvency clause, though it is not always acted upon. However, if you go down this route be prepared to have the car repossessed. If you are aware that an IVA might be looming, you could be deemed ( if push comes to shove ) to have acted unlawfully in taking credit ...

It depends on what you mean by "my IVA is left @ 11k" .... Do you mean the remaining agreed payments are £11k ? Or the balance of the original debt, plus fees and statutory interest is £11k ? In an IVA you do not just "owe" the agreed payments. You still "owe" the full ...

It is common practice for debts to be sold all the time. They are usually sold off as "auction style lots" --- bundles of debts of all types and status and the buyer takes the risk that some are in IVA's.

If everything went your way and you had nerves of steel -- it might work. The loans, however, would not be defaulted, just left showing arrears for ever.There is no time limit on undefaulted accounts showing on your credit files. Bailiffs can be quite persistent, and some not so adherent to the &quo...

There is a possibility that they will reject an IVA if they feel that they stand more chance of getting repaid from equity in the home. Might I suggest having a chat with either Ryan or Shaun ( or both of them) to see about releasing some equity to cover the debts. Their details can be found here: R...